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The Clearing House Payments Authority

The Clearing House Payments Authority (TCHPA) serves more than 4,000 member banks, credit unions and companies throughout the U.S. with a focus on ensuring access to payments education on the various U.S. payment systems, assisting with compliance testing, informing efforts to reduce risk and positioning member organizations for success in the rapidly changing payments landscape.

We are the go-to resource regarding payments system rules, regulations and risk management, covering all payment channels:  ACH, check/image, card transactions, wire transfer and instant payments.

30 Years of Concepts

Celebrate the 30th Anniversary of Concepts in May of 2026 at Crystal Mountain Resort. Nestled in in the mountains of Michigan, this unique setting is a perfect getaway to participate in two interactive days of payments programming, networking with colleagues, sponsors, and industry speakers. More Info

RTP® Audit Services

The RTP Operating Rules require all RTP Participants to complete an annual RTP Audit, either internally or through an independent third-party provider. TCHPA offers a comprehensive audit experience designed to help participants assess compliance, identify potential risks, & strengthen operational controls. Visit TCHPA Compliance & Consulting.

Check Dispute Quick Reference Guide

The Check Dispute Quick Reference Guide provides a practical overview of how check disputes are evaluated and resolved across the check collection system. Designed for financial institutions, it explains common check and dispute terminology, outlines the responsibilities of key check participants, and summarizes key legal frameworks that govern check processing and disputes.

Nacha Rules Proposed Changes

Nacha is seeking industry information and responses to help determine potential future proposals of changes to the Nacha Operating Rules regarding Returns, Banking day Definition and changes to the Contact Registry. Full details: Nacha Rules RFI/RFC. Responses are due are June 12 & June 26.